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Priority2Protect is exclusively designed for Pay2Home-registered customers who:

• are residing in Singapore*;
• are between the age of 18 and 60 years old; and
• make a remittance of SGD 100 or more via Pay2Home (excluding remittance fees). This is applicable only to free insurance coverage provided and paid for by P2H Consumer Services Pte Ltd.

You may opt in when you remit with Pay2Home to enjoy free insurance coverage. You may also opt to upgrade your free policy to a premier policy, by paying a nominal sum, that offers higher coverage to suit your needs.

Priority2Protect Insurance is currently available on Pay2Home Mobile, Money Transfer Machines and at all outlets.

*applies to residents who are a Singapore citizen, Singapore permanent resident, or a holder of a valid Work Permit, Employment Pass, Long-term Visit Pass, Dependant's Pass, or S Pass issued by the authorities in Singapore.

Priority2Protect Gold and Platinum are premier policies that offer higher coverage. These are paid for by Pay2Home customers. You may view the full details of Priority2Protect here.

All policies are valid for thirty (30) days. You may opt-in for the free policy at your next remittance, or choose to purchase a premier policy at any time to upgrade or extend your coverage. Premium must be paid and received for policy cover to commence or continue.

The policy shall commence on the date of application subject to Pay2Home having received the full payment for your free insurance-qualifying remittance or the full payment for the premier policy you purchase.

You may choose to upgrade to a premier policy with immediate effect or after the expiry of your existing policy. Should you choose the option to upgrade to a premier policy with immediate effect, the premier policy will commence on the date of application subject to Pay2Home having received the full payment for your purchase. There will be no refund of premium for your existing policy if you choose to upgrade with immediate effect when your existing policy is still valid. Please take note that only the premier policy with higher benefits level will be paid out in the event of an insurance claim.

You are only entitled to one (1) free policy per insured person per month. Similarly, you may have only one (1) paid premier policy at any one point. In the event that you upgrade your free policy to a premier policy, your free policy will be cancelled and only the premier policy will respond in the event of a claim.

The free and premier policies are not transferable. The insured person is the Pay2Home account holder registered with Pay2Home.

You can view and manage your insurance policies anytime through the Pay2Home Mobile application.

1. Download the Pay2Home Mobile application on Apple App Store or Google Play Store and launch the application.
2. Tap 'More Services' on the Home Page.
3. Tap 'Priority2Protect' from the Services list.
4. Tap 'View My Insurance Policy' to view the full policy details.

Yes, you are covered for both work and non-work related accidents as long as all the policy terms and conditions are fulfilled.

Yes, Priority2Protect offers accident protection with 24/7 global coverage.

A beneficiary is an individual you nominate in an insurance policy to receive the claim proceeds in the event of your death. Nomination of a beneficiary ensures that the policy proceeds will be disbursed directly to your intended beneficiary.

At the point of enrolment, you will be required to nominate an insurance beneficiary. You may either select from the list of remittance beneficiaries currently in Pay2Home's records or choose to add a new beneficiary.

You are only allowed to nominate one (1) beneficiary for each insurance policy.

You are not allowed to change your nominated insurance beneficiary once you have submitted the application. You may add or select a new insurance beneficiary when you opt in for the free insurance plan with your next remittance or should you purchase a paid premier insurance plan.

You should inform and authorise someone you trust to act on your behalf should you or your nominated beneficiary be not in the capacity to file for a claim. You could authorise a friend, a relative or your employer to submit your claim on your behalf.

Please note, however, that the claim proceeds will only be disbursed to you or your nominated insurance beneficiary.

You may make or submit a claim directly with Chubb online via the link below:

https://studio.chubb.com/claims/chubb/sg/default/en-US/Dashboard

Or you may download a copy of the claim form via your Pay2Home Mobile application account. Tap on 'Download Claim Form' and send the completed form to Chubb via email at AHClaims.SG@Chubb.com.

You could authorise a friend, a relative or your employer to file a claim on your behalf with the insurance provider, Chubb.

In the unlikely event of death then your family member (e.g. spouse, parent, child or sibling) or the executor of a will or the administrator of the deceased's estate may submit the claim and provide proof of their relationship with you.

In the event of death and if you did not nominate a beneficiary, the claim proceeds will be paid to your Proper Claimant or legal representatives of your estate under Section 61 of the Insurance Act.

If you are covered under more than one (1) policy, the insurer will only pay out under the policy with the highest coverage. This will be the paid premium policy.

Yes, you will be eligible to claim if the policy premium during the period of loss or accident has been paid for and/or the policy was valid at the point of loss or accident.

You have a window of thirty (30) days from the time of the accident to file a claim. You or your authorised person are advised to file the claim as soon as possible.

Your claim will be processed by the insurance provider, Chubb, within ten (10) working days upon the receipt of your claim form and supporting documents.

When the claim is approved, you will receive a notification letter from Chubb via email within five (5) working days. Payment will be processed, and the payout will be disbursed within seven (7) to ten (10) working days from the date of the notification letter.

You may wish to call Chubb's Customer Service Hotline at +65 6398 8779 (Mondays to Fridays, 9.00am - 5.00pm, excluding public holidays) for policy queries.